Virtual reality visualization system with object recommendation engine

ABSTRACT

Aspects of the disclosure relate to virtual reality systems (and/or augmented reality systems) that facilitate visualization of replacement and/or additional items for rebuilding a damaged room. The system may provide a virtual representation of a subject real world room. A user may select items, such as appliances and furniture, for placement in the virtual room and the system may update the virtual room to include a representation of the items. In some embodiments, the system may utilize information about the user to provide recommendations regarding items that may be placed in a virtual room. For example, the system may utilize one or more service records to identify items covered under a service associated with the user. In some embodiments, the system may apply a monetary settlement to the cost of the real world items to facilitate the replacement of damaged items.

TECHNICAL FIELD

Aspects of the disclosure generally relate to a virtual realityvisualization system with an object recommendation engine. Inparticular, various aspects of the disclosure provide a virtual realityroom visualization system that provides recommendations regarding roomcontents based on information about the user.

BACKGROUND

Virtual reality systems may provide a user with a virtual environmentbased on a real world environment. Virtual reality systems may provide auser interface allowing a user to interact with the virtual environment.For example, the user may manipulate electronic representations ofobjects in the virtual environment. Virtual reality user interfaces maybe displayed on display interfaces such as user computing devices.

Some companies offer tools that generate a virtual room and allowcustomers to place virtual objects in the virtual room to see how theymay be arranged in the virtual room. Once a customer has configuredtheir virtual room to their liking using products sold by the store, thecustomer may be able to purchase the real world counterparts to thevirtual objects and install them in their home.

When a home or other structure is damaged, homeowners may submit claimsunder homeowner's insurance policies that cover the damage. As part ofthese claims, homeowners may seek reimbursement or replacement ofdamaged items and/or appliances in the home. The homeowner may fill outa claim form listing the damaged items and an insurer may evaluate thedamage against the coverage of an insurance policy. The insurer mayprovide reimbursement in the form of a settlement, allowing thehomeowner to purchase replacement items at a local retailer.

Although existing tools may allow users to view a virtual room and placevirtual objects therein, significant difficulties exist in accuratelyrepresenting a real world room on a virtual reality system. Further, theuser experience may suffer in instances where the system provides usersan uncurated catalog of virtual objects for inclusion in the room,potentially overwhelming the user with choices. Further still, users areoften unaware of the impact that the installation of new objects in ahome may have on premiums associated with homeowner's insurancepolicies.

SUMMARY

Aspects of the disclosure relate to virtual reality systems (and/oraugmented reality systems) that facilitate visualization of replacementand/or additional items for rebuilding a damaged room. The system mayprovide a virtual representation of a subject real world room. A usermay select items, such as appliances and furniture, for placement in thevirtual room and the system may update the virtual room to include arepresentation of the items. In some embodiments, the system may utilizeinformation about the user to provide recommendations regarding itemsthat may be placed in a virtual room. For example, the system mayutilize one or more service records to identify items covered under aservice associated with the user. In some embodiments, the system mayapply a monetary settlement to the cost of the real world items tofacilitate the replacement of damaged items.

A virtual reality visualization system may generate a virtual roomcorresponding to a real world room and cause the virtual room to bedisplayed on a display interface. The virtual room may be generatedbased on information about the real world room, such as dimensions,location, objects therein, and/or other attributes of the real worldroom. The system may gather visual and/or sensory information from thereal world room using cameras and other sensors and determine theattributes of the room based on the gathered information. For example,the system may determine a set of dimensions for the room based on imagedata captured by a camera of a user device.

Insured users may submit claims for damage to objects in the roomcovered by a service, such as an insurance policy. Where the damagejustifies replacing the object, the insurer may provide an appropriatesettlement amount to the insured covering costs associated with areplacement object and/or compensating the insured for their loss. Thevirtual reality visualization system may receive claim informationincluding an identification of prior objects that occupied the realworld room and were subject to damage or otherwise merit replacement andan associated settlement amount.

The virtual reality visualization system may allow users to selectreplacement objects from a catalog of objects and present arepresentation of selected objects in the virtual room. According tosome aspects, the system may recommend replacement objects based on theprior objects and/or based on attributes of the user and associatedinsurance policies. In some embodiments, the system may recommendcomparable alternative objects based on attributes of the prior objects.In other embodiments, the system may select alternative objects forinclusion in a list of recommended objects based on determining animpact that object may have on a premium for an insurance policyassociated with the user. The list of recommended replacement objectsmay be presented to the user on the display interface to facilitateselection of replacement objects for inclusion in the virtual room.

In some embodiments, the system may further facilitate the user's reviewand selection of replacement objects by providing an indication of animpact the object may have on an insurance policy associated with theuser. According to some aspects, the system may determine a change inpremium associated with a replacement object.

The virtual reality visualization system may receive user input from theuser selecting one or more replacement objects, such as a recommendedreplacement object from the list of recommendations. The system mayupdate the virtual room to include a virtual representation of theselected object. The user may continue selecting objects and the systemmay continue updating the virtual room until the user is satisfied withthe state of the virtual room and the object representations therein.Thus, users may be able to virtually rebuild a room in the event ofdamage and may be provided with a visualization of how the real worldroom may look after installation of the selected replacement objects.

The system may facilitate the purchase of the replacement objects byplacing an order with a third-party for the replacement objects and mayapply the balance of the settlement amount towards the purchase.Replacement objects may have an associated price, and the system maydynamically update the remaining settlement amount as the user selectsand/or removes replacement objects. Once the user is satisfied with thestate of the virtual room and the selected replacement objects, thesystem may generate and transmit an order for the selected replacementobjects.

The system may, in some embodiments, be implemented utilizing augmentedreality techniques such as smart glasses that may project virtualobjects onto a field of vision of a user. These techniques may createthe appearance that the virtual objects are present in a real world roomor other real world environment. The system may use augmented realitytechniques to display the virtual representations of selected objectssuch that they appear to the user to be placed in the real world room,similarly to the virtual reality embodiments described above.

These features, along with many others, are discussed in greater detailbelow.

BRIEF DESCRIPTION OF THE DRAWINGS

The present disclosure is illustrated by way of example and not limitedin the accompanying figures in which like reference numerals indicatesimilar elements and in which:

FIG. 1 provides an illustrative special purpose computing device throughwhich various aspects of the disclosure may be implemented;

FIG. 2 provides an illustrative block diagram of a system that may beused to implement the processes and functions of certain aspects of thepresent disclosure;

FIGS. 3 and 4 provide illustrative examples of graphical user interfacesaccording to one or more embodiments of the present disclosure;

FIG. 5 provides an illustrative method for providing a virtual realityroom building system with a recommendation engine in accordance withcertain aspects of the disclosure; and

FIG. 6 provides an illustrative process flow of a virtual realityvisualization system in accordance with certain aspects of thedisclosure.

DETAILED DESCRIPTION

Aspects of the disclosure generally relate to virtual reality and/oraugmented reality visualization systems with an object recommendationengine. In particular, various aspects of the disclosure provide avirtual reality room building system that provides recommendationsregarding room contents based on information about the user.

One or more aspects described herein may provide systems, devices, andmethods that provide a virtual reality (and/or augmented reality)visualization of a real world room and utilize a recommendation engineto facilitate a user's selections of objects for inclusion in the room.The system may comprise a virtual reality visualization device incommunication with a display interface. The display interface may beconfigured to present a graphical user interface including a virtualroom that corresponds to a real world room. The display interface mayalso display a settlement amount for purchasing replacement objects anda recommended object listing of one or more recommended objects forinclusion in the virtual room based on user information and roominformation maintained by the system. The virtual reality visualizationdevice (and/or system) may comprise one or more data stores configuredto store room information corresponding to the real world room, such asdimensions of the room or a listing of prior objects that are known tohave previously resided in the room. The one or more data stores mayalso store user information corresponding to a user of the user deviceor a user covered by one or more insurance policies. The userinformation may include details related to an insurance claim made bythe user and/or a settlement amount associated with the claim.

In accordance with one or more aspects described herein, the virtualreality visualization device (and/or system) may generate a virtualrepresentation of the room, such as a virtual reality room depictingcorresponding features of the real-world room in three-dimensions. Thevirtual room may be based on the dimensions of the real world room,objects known to have resided in the room, objects the system mayrecommend for the room, and/or any other suitable information about thereal world room. The virtual reality visualization device may alsogenerate a list of recommended objects for the user to select forinclusion in the virtual room and/or preselect one or more recommendedobjects. The virtual reality visualization device may select therecommended objects for inclusion in the list of recommended objectsbased at least in part on the known prior objects associated with thereal world room. The virtual reality visualization device may transmitand/or otherwise cause display of the virtual representation and thelist of recommended objects on the display interface.

The system may receive a selection of a recommended object included inthe recommended object list from the user. The virtual room may beupdated to include a representation of the selected object. In someembodiments, the user may specify a location for the selected objectand/or the system may generate a recommended location for the object.The object may be placed in the virtual room at the appropriatelocation.

The system may provide a display of a settlement amount or creditassociated with a claim submitted by the user. The settlement amount maybe provided by an insurer to allow the user to replace one or morepieces of furniture, appliances, or other objects damaged as part of acovered event. The list of recommended objects may include a priceassociated with the recommended objects and the system may update thesettlement amount to reflect the cost of objects selected for inclusionin the virtual room. The system may then cause the updated virtual roomand updated settlement amount to be displayed to the user. Once the useris satisfied with the selected items, the system may facilitate thepurchase of the items from suitable retailers and may apply thesettlement amount towards the cost of the selected items.

However, before discussing these and other aspects further, discussionwill turn to an example virtual reality visualization device that may beused to implement one or more aspects described herein, as shown in FIG.1.

FIG. 1 illustrates a block diagram of a virtual reality visualizationdevice (or server) 101 in a computer system 100 (e.g., a virtual realityvisualization system) that may be used according to one or moreillustrative embodiments of the disclosure. The virtual realityvisualization device 101 may be a specially configured computing deviceand may have one or more processors 103 for controlling overalloperation of the virtual reality visualization device 101 and itsassociated components, including one or more memory units (e.g., RAM105, ROM 107), an input/output module 109, and a memory 115. The virtualreality visualization device 101, along with one or more additionaldevices (e.g., terminals 141 and 151, security and integration hardwarecorresponding to an integration layer 160) may correspond to a virtualreality visualization system configured as described herein forgenerating a display of a virtual room and facilitating the selection ofreplacement objects.

The input/output (I/O) 109 may include one or more user interfaces, suchas a microphone, keypad, touch screen, and/or stylus through which auser of the computing device 101 may provide input, and may also includeone or more of a speaker for providing audio output and a video displaydevice for providing textual, audiovisual and/or graphical output. Forexample, the input/output 109 may be communicatively coupled with adisplay interface 125. Display interface 125 may comprise any suitabledisplay device, such as a monitor or display panel integrated into thevirtual reality visualization device 101 in some embodiments. In otherembodiments, display interface 125 may be associated with a user devicein communication with the virtual reality visualization device 101 andoperative to display the virtual room as generated by the virtualreality visualization device 101. Software may be stored within memory115 and/or storage to provide instructions to processor 103 for enablingdevice 101 to perform various actions. For example, memory 115 may storesoftware used by the device 101, such as an operating system 117,application programs 119, and an associated database 121 (such as theroom information and user information databases discussed furtherherein). The various hardware memory units in memory 115 may includevolatile and nonvolatile, removable and non-removable media implementedin any method or technology for storage of information such as computerreadable instructions, data structures, program modules or other data.The memory 115 also may include one or more physical persistent memorydevices and/or one or more non-persistent memory devices. The memory 115may include, but is not limited to, random access memory (RAM) 105, readonly memory (ROM) 107, electronically erasable programmable read onlymemory (EEPROM), flash memory or other memory technology, CD-ROM,digital versatile disks (DVD) or other optical disk storage, magneticcassettes, magnetic tape, magnetic disk storage or other magneticstorage devices, or any other medium that can be used to store thedesired information and that can be accessed by the processor 103.

The processor 103 may include a single central processing unit (CPU),which may be a single-core or multi-core processor (e.g., dual-core,quad-core, etc.), or may include multiple CPUs. In some cases, theprocessor 103 may have various bit sizes (e.g., 16-bit, 32-bit, 64-bit,96-bit, 128-bit, etc.) and various processor speeds (ranging from 100MHz to 5 Ghz or faster). The processor 103 and its associated componentsmay allow the device 101 to execute a series of computer-readableinstructions, for example, to generate a virtual room corresponding to areal world room and generate a list of recommended items for inclusionin the virtual room.

The virtual reality visualization device 101 (e.g., a user device, aserver computer, an insurance provider computer hardware memory andprocessor system, an insurance clearinghouse computer memory andprocessor device, etc.) may operate in a networked environment (e.g.,the computing system 100) supporting connections to one or more remotecomputers, such as terminals 141 and 151. The terminals 141 and 151 maybe personal computers, servers (e.g., web servers, database servers),clients, or mobile communication devices (e.g., mobile phones, portablecomputing devices, and the like), and may include some or all of theelements described above with respect to the computing device 101. Insome cases, the terminals 141, 151 may be located at one or moredifferent geographic locations, including, but not limited to, at a siteassociated with an insurance agent and/or agency and/or a siteassociated with an insurance provider. The network connections depictedin FIG. 1 include a local area network (LAN) 125 and a wide area network(WAN) 129, and a wireless telecommunications network 133, but may alsoinclude other networks. When used in a LAN networking environment, thevirtual reality visualization device 101 may be connected to the LAN 125through a network interface or adapter 123. When used in a WANnetworking environment, the device 101 may include a modem 127 or othermeans for establishing communications over the WAN 129, such as network131 (e.g., the Internet, a cellular network, and the like). When used ina wireless telecommunications network 133, the virtual realityvisualization device 101 may include one or more transceivers, digitalsignal processors, and additional circuitry and software forcommunicating with wireless computing devices 141 (e.g., mobile phones,portable customer computing devices) via one or more network devices 135(e.g., base transceiver stations) in the wireless telecommunicationsnetwork 133.

Also illustrated in FIG. 1 is a security and integration layer 160,through which communications may be sent and managed between the virtualreality visualization device 101 and the remote devices (terminals 141and 151) and remote networks (networks 125, 129, and 133). The securityand integration layer 160 may comprise one or more computing devices,such as web servers, authentication servers, and various networkingcomponents (e.g., firewalls, routers, gateways, load balancers, etc.),having some or all of the elements described above with respect to thevirtual reality visualization device 101. As an example, security andintegration layer 160 may comprise a set of web application serversconfigured to use secure protocols and to insulate the virtual realityvisualization device 101 (e.g., one or more servers, a workstation,etc.) from external devices (e.g., terminals 141 and 151). In somecases, the security and integration layer 160 may correspond to a set ofdedicated hardware and/or software operating at the same physicallocation and under the control of same entities as the virtual realityvisualization device 101. For example, the integration layer 160 maycorrespond to one or more dedicated web servers and network hardware ina data center or in a cloud infrastructure supporting a cloud-basedapplication and/or process. In other examples, the security andintegration layer 160 may correspond to separate hardware and softwarecomponents which may be operated at a separate physical location and/orby a separate entity.

In some cases, the data transferred to and from virtual realityvisualization device 101 may include secure and sensitive data, such asinsurance customer and policy data. Therefore, it may be desirable toprotect the data transmission by using secure network protocols andencryption, and also to protect the integrity of the data stored when onthe virtual reality visualization device 101 using the security andintegration layer 160 to authenticate users and restrict access tounknown or unauthorized users. In various implementations, security andintegration layer 160 may provide, for example, a file-based integrationscheme or a service-based integration scheme. In filed-basedintegration, data files may be transmitted to and from the virtualreality visualization device 101 through the security and integrationlayer 160, using various network communication protocols. Secure datatransmission protocols and/or encryption may be used in file transfersto protect to integrity of the data, for example, File Transfer Protocol(FTP), Secure File Transfer Protocol (SFTP), and/or Pretty Good Privacy(PGP) encryption.

In service-based integration, one or more web services may beimplemented within the system 100 between the virtual realityvisualization device 101 and/or security and integration layer 160. Theweb services may be accessed by authorized external devices and users tosupport input, extraction, and manipulation of the data in the virtualreality visualization device 101. Web services built to support to thesystem 100 may be cross-domain and/or cross-platform, and may be builtfor enterprise use. Such web services may be developed in accordancewith various web service standards, such as the Web ServiceInteroperability (WS-I) guidelines. In some examples, system webservices may be implemented in the security and integration layer 160using the Secure Sockets Layer (SSL) or Transport Layer Security (TLS)protocol to provide secure connections between the virtual realityvisualization device 101 and various clients (e.g., terminals 141 and151) attempting to access, insert and/or manipulate data within thesystem 100. SSL or TLS may use HTTP or HTTPS to provide authenticationand/or confidentiality. In some cases, system web services may beimplemented using the WS-Security standard, which provides for secureSOAP messages using XML encryption. In still other examples, thesecurity and integration layer 160 may include specialized hardware forproviding secure web services. For example, secure network appliances inthe security and integration layer 160 may include built-in featuressuch as hardware-accelerated SSL and HTTPS, WS-Security, and firewalls.Such specialized hardware may be installed and configured in thesecurity and integration layer 160 in front of the web servers, so thatany external devices may communicate directly with the specializedhardware.

Although not shown in FIG. 1, various elements within the memory 115 orother components in the system 100, may include one or more caches, forexample, CPU caches used by the processing unit (e.g., the processor103), page caches used by the operating system 117, disk caches of ahard drive, and/or database caches used to cache content from thedatabase 121. For embodiments including a CPU cache, the CPU cache maybe used by one or more processors in the processing unit (e.g., theprocessor 103) to reduce memory latency and access time. In suchexamples, a processor 103 may retrieve data from or write data to theCPU cache rather than reading/writing to memory 115, which may improvethe speed of these operations. In some examples, a database cache may becreated in which certain data from the database 121 may be cached in oneor more separate smaller databases on an application server separatefrom the database server. For instance, in a multi-tiered application, adatabase cache on an application server can reduce data retrieval anddata manipulation time by not needing to communicate over a network witha back-end database server. These types of caches and others may beincluded in various embodiments, and may provide potential advantages incertain implementations of the system 100.

It will be appreciated that the network connections shown areillustrative and other means of establishing a communications linkbetween the computers may be used. The existence of any of variousnetwork protocols such as TCP/IP, Ethernet, FTP, HTTP and the like, andof various wireless communication technologies such as GSM, CDMA, WiFi,and WiMAX, is presumed, and the various computer devices and systemcomponents described herein may be configured to communicate using anyof these network protocols or technologies.

Additionally, one or more application programs 119, such as a virtualreality claims processing application, may be used by the virtualreality visualization device 101 within the system 100, includingcomputer executable instructions for generating a virtual roomcorresponding to a real world room, generating a list of recommendedobjects for inclusion in the virtual room, receiving user selections ofobjects for inclusion in the room, and dynamically updating a settlementamount based on the selections.

Aspects of the disclosure may be described in the general context ofcomputer-executable instructions, such as program modules, beingexecuted by a computer. Generally, program modules include routines,programs, objects, components, data structures, etc. that performparticular tasks or implement particular abstract data types. Thedisclosure may also be practiced in distributed computing environmentswhere tasks are performed by remote processing devices that are linkedthrough a communications network. In a distributed computingenvironment, program modules may be located in both local and remotecomputer storage media including memory storage devices.

As will be appreciated by one of skill in the art upon reading thefollowing disclosure, various aspects described herein may be embodiedas a method, a computer system, or a computer program product.Accordingly, those aspects may take the form of an entirely hardwareembodiment, an entirely software embodiment or an embodiment combiningsoftware and hardware aspects. Furthermore, such aspects may take theform of a computer program product stored by one or more non-transitorycomputer-readable storage media having computer-readable program code,or instructions, embodied in or on the storage media. Any suitablecomputer readable storage media may be utilized, including hard disks,CD-ROMs, optical storage devices, magnetic storage devices, and/or anycombination thereof. In addition, various signals representing data orevents as described herein may be transferred between a source and adestination in the form of electromagnetic waves traveling throughsignal-conducting media such as metal wires, optical fibers, and/orwireless transmission media (e.g., air and/or space).

Referring to FIG. 2, an illustrative system 200 for implementing methodsfor providing recommendations in a virtual room replacement applicationaccording to the present disclosure is shown. As illustrated, system 200may include virtual reality visualization device 210, user device 220,room information database 230, user information database 240, applianceinformation database 250, and display interface 227. Virtual realityvisualization device 210 and user device 220 may possess many of thesame hardware/software components as virtual reality visualizationdevice 101 shown in FIG. 1.

Virtual reality visualization device 210 may comprise one or moreprocessors 213 and memory 215. As illustrated in FIG. 2, virtual realityvisualization device 210 may comprise room information database 230 anduser information database 240. Room information database 230 may storeinformation about a real world room such as dimensions of the real worldroom and a list of objects determined to reside therein. Other featuresand attributes of the room may also be recorded in room informationdatabase 230, such as the position of the room within the house ordwelling, the location and number of windows and doorways, and the like.User information database 240 may store information about insured users,such as claim information, policy information, awarded settlementamounts, and other attributes associated with the user. Item informationcorresponding to attributes of the available objects may be stored bythe system in the form of an appliance information database 250.

An appliance information database 250 may contain information abouthousehold appliances in the form of attributes for the various objectsrepresented therein. This information may be obtained from a supportedretailer that offers the specified appliance and/or from a manufacturerof the appliance. The information stored in the appliance informationdatabase 250 may include the specifications of each appliance, such asphysical dimensions, power requirements, plumbing requirements, andventilation requirements. The appliance information may also includeprice of each item. The price may be the best price available, or it maybe the current price available through a preferred retailer. Theappliance information may additionally include warranty informationoffered by the manufacturer and/or the retailer. The applianceinformation may also include safety information. The safety informationmay be based on past claims or recalls involving the same or similarmake or model, and may relate to a risk of water damage, gas leakage, orfires, for example.

Although one particular configuration is illustrated, in otherimplementations one or more devices may be combined with other devicesand/or divided into multiple devices. For example, some embodiments maystore the room information database 230, user information database 240,and appliance information database 250 on separate devices from thevirtual reality visualization device 210.

As described further herein, virtual reality visualization device 210may be configured to retrieve a settlement amount from user informationdatabase 240. Additionally or alternatively, the device 210 may retrieveclaim information from database 240 and use the retrieved claiminformation to determine a settlement amount. Similarly, the device 210may retrieve information about one or more attributes of the user and/orinsurance policies associated with the user from database 240. Forexample, user information database 240 may store a user's name, address,age, gender, marital status, income, education, and/or any othersuitable attributes of the user. User information database 240 may alsostore insurance policy information such as scope of coverage, coveragelimitations, amounts of coverage, inclusions, exclusions, premiumamounts, deductibles, duration, term, coverage dates, and/or any othersuitable attributes of insurance policies associated with the user.

Virtual reality visualization device 210 may be configured to generate avirtual room corresponding to a real world room. According to someaspects, the device 210 may generate the virtual room based on roominformation stored by room information database 230 such as dimensions,location, positions of outlets, doors and windows, and any othersuitable feature that characterizes the real world room. Virtual realityvisualization device 210 may also be configured to generate arecommended object list or listing based at least in part on a list ofprior objects stored in room information database 230. Room informationdatabase 230 may store information about prior objects in the room suchas furniture, appliances, decorations, fixtures, floor and wallcoverings, textures, and other objects. The information stored aboutsuch prior objects may include make, model, manufacturer, type, age,purchase price, configuration, warranty status, and/or any othersuitable information identifying the prior objects and their condition.

The virtual room, settlement amount, and list of recommended items maybe used to generate a user interface for presentation to a user viadisplay interface 227. User device 220 may include processor 223, memory225, and display interface 227. User device 220 may be configured tointerface with the virtual reality visualization device 210 to generatea display of the user interface. User device 220 may receive user inputfrom the user selecting one or more recommended objects or otherreplacement objects for inclusion in the virtual room. This informationmay be provided to virtual reality visualization device 210 forgeneration of an updated display of the virtual room comprising theselected objects. Although FIG. 2 illustrates user device 220 as aseparate device from virtual reality visualization device 210, it shouldbe readily appreciated that the devices may be combined into a singledevice without departing from the disclosure herein. Further, displayinterface 227 may be connected to and/or integrated within user device220 or virtual reality visualization device 210.

Having discussed an illustrative special purpose computer and operatingenvironment in which one or more aspects described herein may beimplemented, a detailed discussion of one or more aspects will proceedwith respect to the sample user interfaces of FIGS. 3 and 4.

FIG. 3 illustrates a first example user interface 300 comprising avirtual representation of a real world room in the form of a virtualroom 310. The user interface may comprise the virtual room 310, asettlement and premium section 320, a selected items list 330, and alist of recommended objects 340. The user interface may be generated bya virtual reality visualization device 210, a user device 220, and/orboth in concert as part of the virtual reality visualization system 200.The generated user interface may be displayed to a user via displayinterface 227 or other display interface communicatively coupled to thevirtual reality visualization system, for example.

In the example of FIG. 3, virtual room 310 is illustrated without anyobjects therein other than a wallcovering 315 a. This may be, forexample, due to a flood that damaged the objects in the room and reducedthem to an unusable state. Insured users may submit claims for damage toobjects in the room covered by a service, such as an insurance policy.Where the damage justifies replacing the object, the insurer may providean appropriate settlement amount 321 to the insured covering costsassociated with a replacement object and/or compensating the insured fortheir loss. The virtual reality visualization system may receive claiminformation including an identification of prior objects that occupiedthe real world room and were subject to damage or otherwise meritreplacement and an associated settlement amount. For example, the realworld room may have previously housed a two-seat couch made by Brand2, a50″ Brand2 television with stand, and a patterned rug. If each of theseobjects were damaged in the flood, the insured may submit a claim formlisting each and seeking compensation and/or replacement of the damageditems, for example.

The virtual reality visualization system may generate a virtual room 310based on information about a corresponding real world room and cause thevirtual room 310 to be displayed on a display interface. The informationabout the real world room may include, for example, dimensions,location, objects therein, and/or other attributes of the real worldroom. The information about the real world room may also includeinformation about items remaining in the room that are not part of thesettlement and/or claims process. The information may include physicaldimensions of the room, possibly including physical dimensions of otherpermanent objects in the room and the relative location of thoseobjects. The information may also include the location of electricaloutlets, plumbing, and/or ventilation that may contribute to wherereplacement items may be placed. The virtual room 310 may be athree-dimensional representation of the real world. Use of athree-dimensional virtual model may provide the user with an immersiveexperience as well as enable them to better visualize how the real worldroom may look with new objects installed.

The system may gather visual and/or sensory information from the realworld room using cameras and other sensors and determine the attributesof the room based on the gathered information. For example, the systemmay determine a set of physical dimensions or identify outlets and otherfeatures of the room based on image data captured by a camera of a userdevice.

The virtual reality visualization system may populate the virtual roomwith one or more objects known to the system to occupy the real worldroom or other features of the real world room. In some embodiments, auser may report the identity of objects located in the real world roomand features thereof. In other embodiments, the system may automaticallydetect the presence and identity of objects and features in the realworld room based on visual and/or sensory information captured usingcameras and other sensors. Some examples of objects that the virtualreality system may present in the virtual room include furniture,appliances, decorations, fixtures, floor and wall coverings, textures,and other objects. Information about the prior objects that occupied thereal world room may be stored in a digital locker based on informationreported by the insured user or based on information determined from ananalysis of the captured visual and/or sensory information.

The virtual reality visualization system may allow users to selectreplacement objects from a catalog of objects and present arepresentation of selected objects in virtual room 310. A completecatalog of objects available to the user may be displayed on userinterface 300 (not shown). The catalog may be indexed and categorized inorder to facilitate location of desired objects.

According to some aspects, the system may recommend replacement objectsbased on the prior objects and/or based on attributes of the user andassociated insurance policies (such as those attributes stored in theappliance information database). In some embodiments, the system maydetermine whether the prior objects are available to the system and mayinclude available prior objects in a list of recommended replacementobjects 340. For example, the Brand2 two-seat couch may be availablefrom a supported retailer and therefore may be included in therecommended list 320. The system may select comparable replacementobjects to prior objects that are determined to be unavailable. Forexample, the Brand2 television may be unavailable from supportedretailers. The system may identify that Brand3 televisions are asuitable alternative to those of Brand2 and may include a Brand3television in the recommended list at 343 a.

In some embodiments, the system may recommend comparable alternativeobjects based on attributes of the prior objects, such as those storedin an appliance information database. The list of recommendedreplacement objects 340 may be presented to the user on user interface300 via the display interface to facilitate selection of replacementobjects for inclusion in the virtual room. The identification ofalternative items may be accomplished based on attribute informationassociated with the prior objects and candidate replacement/alternativeobjects. Certain attributes may be tagged by the system as relevant to adetermination whether two objects are suitable alternatives. Forexample, the system may determine that square patterned rugs andtriangle patterned rugs have similar geometric design motifs as a priorrug of the real world room, and may include square and trianglepatterned rugs in the recommended list 340 at 343 b. In otherembodiments, the system may select alternative objects for inclusion inthe list of recommended objects 340 based on determining an impact thatobject may have on a premium for an insurance policy associated with theuser. For example, the system may identify that a nylon rug would causean insurance premium decrease if added to the room. Based on thedecrease in insurance premium and a similarity between the nylon rug andthe existing rug, the system may determine to add the nylon rug to thelist of recommended objects 340.

In some implementations, the system may generate recommendations forreplacement objects based on information about the room. The recommendedreplacement objects may be selected based on the attributes of the room,including the dimensions of the room, the location of the room in thehouse, the number and/or location of windows in the room, the numberand/or location of outlets in the room, the orientation of the roomand/or room features, and the like. For example, the system maydetermine that a first television is preferable to another based on theamount of ambient light expected in a room with several windows.

In some embodiments, the system may further facilitate the user's reviewand selection of replacement objects by providing an indication of theimpact the object may have on an insurance policy associated with theuser, such as through insurance premium indication 323. According tosome aspects, the system may determine a change in premium associatedwith a replacement object based on attributes of the replacement object(such as the nylon rug discussed above). The attributes may bedetermined based on information stored in an appliance informationdatabase. For example, the appliance information database may storesafety ratings and other information relevant to assessing insurancerisk associated with one or more replacement objects. In someimplementations, the change in premium may be calculated based on apremium amount associated with a corresponding prior object. Forexample, a user may select a high-end oven to replace a damaged oven oflower quality, and the system may indicate that an insurance premium 323would be raised to cover the increased value of objects in the room.Similarly, the system may indicate that replacement objects that aredeemed safer and/or more dependable may reduce an insurance premium 323.The system may select alternative objects for inclusion in the list ofrecommended objects 340 based on the prior objects in the room and adetermined change in premium associated with the alternative object.

The virtual reality visualization system may receive user input from theuser selecting one or more replacement objects, such as a recommendedreplacement object from the list of recommendations 340. The system mayupdate the virtual room 310 to include a virtual representation of theselected objects. The system may also update settlement and premiumsection 320, selected item section 330, and recommended objects list 340based on the selection.

FIG. 4 illustrates a second example user interface 350 that may begenerated after the user has selected several objects from userinterface 300 of FIG. 3. User interface 350 has been updated to includean indication of selected objects 333 a-d in selected items list 330 andrepresentations of the selected objects 311, 313, 315 b, and 317 invirtual room 310. User interface 350 has also been updated to reflectthe remaining settlement balance 321 and changed insurance premium 323.In the example of FIG. 4, the user has selected a Brand1 television 330a to replace his prior Brand2 television. The user has also selected thesame couch that he previously owned, the Brand2 two-seat couch 333 b.The user also decided to add a Brand2 recliner 333 c to the room.Finally, the user decided to change wallpaper 315 a to dashed linewallpaper 333 d. Responsive to these selections, the system addedvirtual representations 311, 313, 315 b, and 317 to virtual room 310.

The system may receive user input indicating a location for thereplacement object, and the object may be displayed as located at thatposition. The system may also utilize known location informationassociated with prior objects of the room to generate a recommendedlocation for a corresponding replacement object. The system may utilizethe known dimensions of the room and the specified location to determinewhether the replacement object would fit at the specified location. Thedetermination of whether the replacement object would fit may be furtherinformed by the dimensions of the corresponding prior object. Forexample, the prior object information may indicate that the user'sformer Brand2 television was located in a corner of the real world room.Thus, when the user selects the Brand1 television, the system mayautomatically place representation 311 in the same location formerlyoccupied by the old television. The system may determine from attributeinformation stored in an appliance information database that the Brand2television was 45″×30″×5″ and may use this information to determine ifthe replacement television would fit in the space formerly occupied bythe Brand2 television. Once placed in the virtual room 310, objectrepresentations (e.g., 311, 313, 317) may be individually manipulatedto, for example, change a location or orientation of the virtualrepresentation. For example, the user may use a mouse, touchscreen, orother user input device to select a virtual representation and move itto a new location.

The system may also recommend that the user purchase new items unrelatedto the prior objects listed in the claim form or otherwise reported tothe system. These new items may be recommended based on improving safetyin the user's home and may potentially lead to lower insurance premiums.For example, the system may determine that the user does not have asmoke detector in the room and may recommend that the user purchase onewith the settlement. The system may indicate a corresponding premiumdecrease associated with buying the new item. The system may alsoprovide reminders and suggestions regarding maintenance and replacementof objects in the room. For example, the system may determine when anappliance was purchased and compare it to a useful life of theappliance. Based on this determination, the system may recommendreplacement of the appliance. Similarly, the system may detect that areplaceable part, such as a water filter, likely needs replacement basedon stored records regarding maintenance of the appliance and/or pastpurchase records and may provide a suitable recommendation.

The user may continue selecting objects and the system may continueupdating the virtual room 310 until the user is satisfied with the stateof the virtual room 310 and the object representations (e.g., 311, 313,315 b, 317) therein. Thus, users may be able to virtually rebuild a roomin the event of damage and may be provided with a visualization of howthe real world room may look after installation of the selectedreplacement objects.

The system may facilitate the purchase of the replacement objects byplacing an order with a third-party for the replacement objects and mayapply the balance of the settlement amount towards the purchase.Replacement objects may have an associated price, and the system maydynamically update the remaining settlement amount 321 as the userselects and/or removes replacement objects. In some embodiments, if theuser selects replacement items having a value greater than the remainingsettlement amount, the user may be allowed to pay the difference in costbetween the selected items and the settlement amount. In someembodiments, the user may be required to pay a deductible amount asspecified in an applicable insurance policy.

In some embodiments, the settlement amount may be divided into one ormore categories and the system may update the settlement amount for arespective category associated with a selected object. Categories may beroom based, such as allocating a certain percentage of the settlement toreplacing items in the kitchen, with a second percentage possiblyallocated to replacing items in the living room. Alternatively oradditionally, categories may relate to the type of item, such asappliances, cabinetry, lighting, plumbing, countertops, and flooring,among other categories. For example, the settlement could be dividedinto a first portion for the kitchen category and a second portion for abathroom category. When a replacement item is selected for inclusion inthe virtual room, its price may be removed from the portion of thesettlement amount associated with a settlement category corresponding toa category of the replacement item.

Once the user is satisfied with the state of the virtual room and theselected replacement objects, the system may generate and transmit anorder for the selected replacement objects.

Having discussed many aspects of the disclosure with reference to theillustrative user interfaces shown in FIGS. 3 and 4, discussion will nowturn to an illustrative method according to one or more aspectsdescribed herein.

FIG. 5 illustrates an example method of generating a virtual realityvisualization for facilitating the selection and purchase of replacementobjects as part of a claims process. The method illustrated in FIG. 5may be performed by a special-purpose computing device, such as virtualreality visualization device 101. The methods may be performed by and orembodied in virtual reality visualization system 200, virtual realityrealization device 210, user device 220, and/or any other suitablecombination thereof. Although discussed briefly here, it is to beunderstood that the varied features discussed above with respect toFIGS. 3 and 4 may be incorporated in the method illustrated in FIG. 5 asappropriate.

At step 505, the virtual reality visualization system (and/or device)may store room information regarding a real world room. As describedabove, such room information may comprise physical dimensions of theroom and other information describing one or more features of the room(such as the location of outlets). The system may store informationregarding one or more objects in the real room and their locations. Thesystem may also store information regarding one or more past objectsreported or determined to have occupied the room. These past objects maybe the subject of a submitted insurance claim and the system mayfacilitate the selection and purchase of replacement objectscorresponding to the past objects. The system may provide automaticscanning features operative to analyze visual and/or sensory datacaptured in the real world room. For example, the system may capture a360 degree scan (including, potentially, horizontal and vertical tocapture the whole room) of the room and detect the presence and identityof objects therein. The system may conduct the detection of objectsprior to an insured event to facilitate later replacement in the eventof damage.

The system may also store information about the user and/or anassociated insurance policy. For example, the system may store and/ordetermine a settlement amount associated with a claim submitted by theuser. The system may store information about the insurance policy, suchas a list of covered items, a premium amount, a deductible amount,exclusions, and/or any other suitable information. The room, object,user, and policy information may be stored in a room informationdatabase, a user information database, and/or an appliance informationdatabase.

At step 510, the system may generate a virtual room based on the roominformation associated with the real world room. The virtual room may begenerated to be a virtual representation appearing similar to the realworld room. Information about the objects in the room and other features(such as outlets, fixtures, windows, etc.) may be utilized to improvethe accuracy of the virtual room. Image data captured by a user devicemay be utilized to select and/or generate suitable textures and othervisual features. For example, an image of the real world room may beused by the system to determine a suitable texture to apply to walls ofthe virtual room (e.g. simulated paint textures and colors).

The virtual room may be populated using objects reported by the user ordetermined by the device to occupy the real world room. For example, ifa fire damaged some objects in the room but left others intact, thoseremaining objects may be pre-placed in the virtual room. Damaged itemssubject to the claim process may be omitted from the virtual room, insome embodiments. In other embodiments, the system may populate thevirtual room with each object detected as residing in the room and theuser may be able to tag the damaged objects. In this manner, the usermay be allowed to dynamically generate a list of damaged objects forsubmission as part of an insurance claims. Sensory and image informationgathered by the system may be utilized to facilitate the calculation ofa settlement amount for an insurance claim, in some embodiments. Forexample, the image data may be analyzed to determine the extent ofdamage to some objects and/or determine the condition of objects forreplacement.

At step 515, the system may generate recommended items based on the userinformation. For example, the system may generate a list of recommendedobjects based on information about the prior objects that were damagedin the room. The recommended objects may be based on objects reported asdamaged as part of a claims process. The list may also be based onobjects that were reported as residing in a room, where the room wassubject to an insured event that resulted in damage to objects therein(e.g. a fire or flood).

In some embodiments, the list of recommended objects may be determinedbased on the availability of the reported prior objects. The system maydetermine whether the prior objects are available to the system, such aswhether the prior objects are sold by supported retailers. If the sameprior object or similar object (such as a newer model) are available,the prior object and/or similar object may be included in the list ofrecommended objects. If the prior object is not available to the system,the system may determine one or more suitable replacement objects andinclude those replacement objects in the list of recommended objects.The system may determine suitable replacement objects based on one ormore attributes associated with the prior object and the replacementobjects. For example, the real room may have previously contained aBrand2 50″ television. However, Brand2 may have gone out of business.The system may determine that Brand3 50″ televisions are of a similarprice and quality range to the Brand2 televisions and add a Brand3 50″television to the list of recommended objects.

In some implementations, the list of recommended objects may bedetermined based on related objects that may be an upgrade to existingobjects. The system may recommend a range of replacement objectscorresponding to a damaged prior object. The recommendations may bebased on the user and policy information. For example, the system maydetermine that a large settlement is due to the user. The system maydetermine, in view of the settlement amount, that the user may beinterested in replacing the damaged object with a higher-quality objectof the same type, such as a nicer oven or television. The system mayselect recommended objects based on other user information, such asdetermining that a user with high income or who pays a high insurancepremium may be interested in higher quality objects despite their highercost.

According to some aspects, the list of recommended objects may bedetermined based on an expected or actual impact that the recommendedobject may have on an insurance premium of an insurance policyassociated with the user. The system may assess safety and riskinformation associated with a given replacement object and determine achange in premium associated with that replacement object. The change inpremium may be determined relative to a premium associated with theprior object, in some examples. The system may determine whether toinclude the replacement item in the list of recommended objects based onthe amount of change in premium associated with the replacement item.The change in premium may be used as one factor in a multi-factoranalysis of the replacement items. For example, the system may determinethat a replacement item is of similar quality to the prior object butmay have a higher safety rating and would result in a premium decrease.Thus, the replacement item may be included in the list of recommendeditems. Similarly, the system may determine that a replacement item wouldcause a slight premium increase but is of a greater quality than theprior object and may determine that the quality difference outweighs thepremium increase.

At step 520, the system may generate and display (or cause to bedisplayed) a user interface comprising the virtual room, any objectstherein, the list of recommended objects, and the settlement amount. Theuser interface may be displayed on a display interface such as displayinterface 227 of FIG. 2. The user interface may present a threedimensional view of the virtual room and the system may receive userinput from the user to navigate within and interact with the virtualroom.

At step 525, the system may receive user input indicating a selection ofitems by the user. The user input may select items from the recommendedlist of objects or from another list of objects, such as a full catalogof available objects. The user input may comprise a mouse click, touch,or other appropriate form of user input that indicates that the user hasselected a particular object. The selected object may be added to a listof selected objects included on the user interface.

At steps 530, the system may update the virtual room to include arepresentation of the selected object. For example, if the user selectsa particular couch as a replacement object, the system may update thevirtual room to include a virtual representation of the couch. Therepresentation may be placed in the room at a user-specified location.For example, upon receiving a selection of the replacement object, thesystem may prompt the user to select a location for the object such asby dragging the object to a desired location. The system may alsoautomatically determine a location for the replacement object based oninformation about the prior objects. In particular, and for example, thesystem may determine a location of a prior object that corresponds tothe replacement object and place the replacement object at the formerlocation of the prior object. The system may determine whether thereplacement object would fit in the room at the selected location, andmay notify the user if the object does not fit. The updated virtual roommay be displayed to the user via the user interface on the displayinterface.

The system may also update a settlement balance or amount based on aprice associated with the selected replacement objects. The user mayhave been awarded a settlement amount for the purchase of replacementobjects, and the system may dynamically update the settlement balancedisplayed on the user interface to inform the user of a remainingbalance after selection of one or more replacement items. When the userhas exhausted the settlement amount, the system may display a negativenumber or a user balance indicating an amount that the user would berequired to pay beyond the settlement amount. The user interface mayalso include a display of a deductible associated with the user'sinsurance policy.

Similarly, the system may update an insurance premium based on theselected items. The user interface may include an indication of acurrent insurance premium and/or an indication of an expected change ininsurance premium due to the selected items. As the user selects itemsfor inclusion in the virtual room, the system may dynamically update theexpected insurance premium and/or change in premium to inform the userof how the selected replacement objects may impact the user's insurancepremiums.

The user interface may be updated to include the updated virtual room,objects therein, settlement amount and balance, insurance premium and/orchange in premium, as appropriate.

At step 535, the system may determine whether the user is done selectingreplacement objects. The user interface may include one or more controls(such as a button) that the user may operate to indicate that he is doneselecting replacement objects. For example, the system may receive amouse click and/or touchscreen tap on a finished button and may advanceto step 540. If the user is not done selecting items, processing mayreturn to step 525 where the user may continue to select items.

At step 540, the system may initiate purchase of the selected items forinstallation in the real world room. The system may generate an orderfor the items with one or more supported retailers to be delivered tothe user. The system may apply the settlement amount towards the order.If any balance remains after application of the settlement amount, theuser may be prompted for payment information and/or billed for theremainder. Similarly, if the user's insurance policy requires payment ofa deductible, the user may be prompted for payment of the deductible.

Having discussed an illustrative method of generating a virtual realityvisualization to facilitate in the selection and purchase of replacementitems as part of a claims process, discussion will now turn to anillustrative system and process flow as shown in FIG. 6.

FIG. 6 illustrates an example process flow according to one or moreaspects described herein. A virtual reality visualization system mayinclude a virtual reality visualization device 610, a user interfacedevice 620, a room information database 630, and a user informationdatabase 640. As discussed above, the system may also include anappliance information database (not shown). Although illustratedseparately, it should be understood that any of virtual realityvisualization device 610, user interface device 620, room informationdatabase 630, and user information database 640 may be combined withoutdeparting from aspects described herein. In particular, the userinterface device 620 may be integrated in virtual reality visualizationdevice 610 in some embodiments.

Similar to virtual reality visualization device 210 described withreference to FIG. 2 above, virtual reality visualization device 610 mayoperate to generate a virtual room based on information about a realroom based on information stored in room information database 630 anduser information database 640. The virtual reality visualization device610 may further generate a list of recommended objects for replacingobjects in the real room. A user interface comprising the virtual room,a settlement amount, and the list of recommended objects may begenerated and presented to a user via a user interface device 620. Theuser interface device 620 may receive user input selecting one or moreobjects for inclusion in the virtual room and the virtual realityvisualization device 610 may generate an updated virtual room andsettlement amount based on the selected objects.

In particular, at step 612 the user interface device 620 may issue arequest to begin a virtual reality claims process. For example, a userof the user interface device 620 may launch a virtual claims applicationon the user interface device 620 and/or sign into a web page using abrowser application. In some implementations, the virtual claimsapplication may be an executable application downloaded to the userinterface device 620 from an application store. The request may be sentto the virtual reality visualization device 610 to begin the virtualreality claims process. In some embodiments, the user interface device620 is integrated with the virtual reality visualization device 610, andthe request may be generated by the user interface portions of theintegrated device to the virtual reality visualization portions of theintegrated device.

At step 614, the virtual reality visualization device 610 may requestpolicy and settlement information associated with a user. The policy andsettlement information may be comprised in user information stored inuser information database 640. At step 616, user information database640 may return the policy and settlement information, as well as otherinformation about the user, to the virtual reality visualization device610.

At step 618, the virtual reality visualization device 610 may requestroom dimensions and prior object information from a room informationdatabase 630. In some embodiments, the virtual reality visualizationdevice 610 may receive claims information comprising a list of priorobjects and may request information about those objects. The priorobject information may include one or more attributes associated withthe prior objects stored in room information database 630. In otherembodiments, the room information database 630 may store a list of priorobjects associated with the room and the virtual reality visualizationdevice 610 may retrieve the list from the room information database 630.The virtual reality visualization device 610 may also requestinformation about related objects. Information about related objects maybe stored in room information database 630 and/or stored in an applianceinformation database. The system may retrieve information regarding oneor more objects deemed related to the prior objects reported to haveoccupied the real world room and/or objects reported to have beendamaged in claims information. At step 622, the room informationdatabase 630 (and/or an appliance information database) may return therequested dimensions, prior objects, and object information.

At step 624, the virtual reality visualization device 610 may generate avirtual room. The virtual room may be a virtual representation of thereal room and may be generated based on the physical dimensions of theroom retrieved from the room information database 630. Information aboutthe objects in the room and other features (such as outlets, fixtures,windows, etc.) may be utilized to improve the accuracy of the virtualroom. Image data captured by a user device may be utilized to selectand/or generate suitable textures and other visual features. Forexample, an image of the real world room may be used by the system todetermine a suitable texture to apply to walls of the virtual room (e.g.simulated paint textures and colors). The virtual room may be populatedusing objects reported by the user or determined by the device to occupythe real world room.

At step 626, the system may generate a list of recommended objects basedon attributes of the prior objects and related objects. For example, thesystem may generate a list of recommended objects based on informationabout the prior objects that were damaged in the room. The recommendedobjects may be based on objects reported as damaged as part of a claimsprocess. In some embodiments, the list of recommended objects may bedetermined based on the availability of the reported prior objects. Insome implementations, the list of recommended objects may be determinedbased on related objects that may be an upgrade to existing objects.According to some aspects, the list of recommended objects may bedetermined based on an expected or actual impact that the recommendedobject may have on an insurance premium of an insurance policyassociated with the user.

At step 628, the system may generate and display (or cause to bedisplayed) a user interface comprising the virtual room, any objectstherein, the list of recommended objects, and the settlement amount. Theuser interface may be displayed (or caused to be displayed) on a displayinterface of user interface device 620.

At step 632, the user interface device 620 may send an indication of auser selection of an object for inclusion in the virtual room responsiveto user input indicating a selection of items by the user. The userinput may select items from the recommended list of objects or fromanother list of objects, such as a full catalog of available objects.The user input may comprise a mouse click, touch, or other appropriateform of user input that indicates that the user has selected aparticular object.

At step 634, the virtual reality visualization device 610 may update thevirtual representation to include the selected object. In particular,the virtual room may be updated to include a representation of theselected object. The selected object may be added to a list of selectedobjects included on the user interface. The virtual realityvisualization device 610 may update the settlement amount based on theprice of the selected object. At step 636, the virtual realityvisualization device 610 may cause display of the updated user interfaceby the user interface device 620. As described, the updated userinterface may include the updated virtual room and the updatedsettlement amount.

Although embodiments described above generally utilized virtual realityvisualizations of a real world room, in some embodiments the system maybe implemented utilizing augmented reality techniques. While virtualreality systems may provide a user with a display of a virtual roomcorresponding to the real world room, augmented reality systems maygenerate displays of virtual objects and present them to a user suchthat the objects appear to occupy the real world room itself. Forexample, smart glasses may provide a user with an augmented realityexperience by projecting virtual objects onto a field of vision of auser. These techniques may create the appearance that the virtualobjects are present in a real world room or other real worldenvironment. One of ordinary skill in the art will readily recognizethat the many features described above in the context of virtual realitysystems may also be implemented using these augmented realitytechniques.

According to some embodiments, the system may use augmented realitytechniques to display the virtual representations of selected objectssuch that they appear to the user to be placed in the real world room,similarly to the virtual reality embodiments described above. Instead ofor in addition to displaying virtual representations in a virtual room,augmented reality techniques may present the virtual representations tothe user as part of the real world room. The room visualization systemand embodiments thereof described above in the context of virtualreality systems may utilize augmented reality techniques to providesimilar functionality and information, but may overlay the virtualrepresentations of objects onto the real-world room rather than displaythem in a virtual room.

Augmented reality may allow the system to provide a user with furtherflexibility in visualizing a room, such as by dynamically representingobjects in the room (both existing/real objects and replacement/virtualobjects) and allowing users to move the virtual objects within the realworld room. By transforming existing/real objects into virtualrepresentations, in some embodiments, the system may allow a user tovisualize how the room may be arranged to accommodate replacementobjects by moving an existing object to another location. For example,augmented reality system (and/or the virtual reality system discussedabove) may allow a user to move an existing sofa to the other side of areal world room based on the addition of a virtual coffee table. Thismay allow the user to get the right fit for added furnishings.

Aspects of the disclosure have been described in terms of illustrativeembodiments thereof. Numerous other embodiments, modifications andvariations will occur to persons of ordinary skill in the art from areview of this disclosure. For example, one of ordinary skill in the artwill appreciate that the steps illustrated in the illustrative figuresmay be performed in other than the recited order, and that one or moresteps illustrated may be optional in accordance with aspects of thedisclosure. Additionally, those skilled in the art will appreciate thatthere are numerous variations and permutations of the above-describedsystems and techniques that fall within the spirit and scope of theinvention as set forth in the appended claims.

What is claimed is:
 1. A system comprising: a display interface incommunication with a virtual reality visualization device, wherein thedisplay interface is configured to present a graphical user interfacecomprising a virtual room corresponding to a real room, a settlementamount, and a recommended object listing comprising one or morerecommended objects for inclusion in the virtual room; and the virtualreality visualization device, wherein the virtual reality visualizationdevice comprises: one or more processors; a first data source configuredto store room information corresponding to the real room, wherein theroom information comprises dimensions of the real room and a priorobject listing of one or more prior objects associated with the realroom; a second data source configured to store user informationcorresponding to a user, wherein the user information comprises thesettlement amount, wherein the settlement amount is divided into aplurality of settlement category amounts corresponding to a plurality ofsettlement categories; and memory storing instructions that, whenexecuted by the one or more processors, cause the virtual realityvisualization device to: generate the virtual room corresponding to thereal room based at least in part on the dimensions of the real room;generate the recommended object listing comprising the one or morerecommended objects based at least in part on the prior object listing,wherein each of the one or more recommended objects are associated witha respective one of the plurality of settlement categories; causedisplay of the virtual room, the settlement amount, and the recommendedobject listing on the display interface; receive first user inputcomprising a selection of a first recommended object of the recommendedobject listing from the user; update the virtual room to include arepresentation of the first recommended object; update the settlementamount based on a price of the first recommended object, whereinupdating the settlement amount based on the price of the firstrecommended object comprises updating the settlement category amount forthe settlement category corresponding to the first recommended object;and cause display of the updated virtual room and the updated settlementamount on the display interface.
 2. The system of claim 1, wherein theinstructions further cause the virtual reality visualization device to:receive second user input comprising an indication of a location in thevirtual room for the first recommended object, wherein updating thevirtual room to include a representation of the first recommended objectcomprises placing the representation of the first recommended object atthe location in the virtual room.
 3. The system of claim 2, wherein theinstructions further cause the virtual reality visualization device to:determine whether the first recommended object fits in the real room atthe location based on the dimensions of the real room.
 4. The system ofclaim 1, wherein the first data source is a digital locker databaseconfigured to store information regarding prior objects reported by theuser.
 5. The system of claim 4, wherein the information regarding priorobjects associated with the user is determined based on image dataassociated with the real room.
 6. The system of claim 1, whereingenerating the recommended object listing based at least in part on theprior object listing comprises: determining an availability of a givenprior object of the one or more prior objects; if the given prior objectis available, adding the given prior object to the recommended objectlisting; and if the given prior object is not available, determining areplacement object based on attributes of the given prior object andadding the replacement object to the recommended object listing.
 7. Thesystem of claim 1, wherein generating the recommended object listingbased at least in part on the prior object listing comprises:determining one or more replacement objects associated with a givenprior object of the one or more prior objects; for each of the one ormore replacement objects, determining a change in premium for a serviceassociated with the user based on attributes of a given replacementobject relative to attributes of the given prior object; and selecting afirst replacement object of the one or more replacement objects forinclusion in the recommended object listing based on the determinedchanges in premiums for the one or more replacement object.
 8. Thesystem of claim 1, wherein the instructions further cause the virtualreality visualization device to: determine a change in a premium for aservice associated with the user based on the selection of the firstrecommended object; and cause a display of the change in premium to theuser on the display interface.
 9. A method comprising: receiving, by avirtual reality visualization device, room information corresponding toa real room, wherein the room information comprises dimensions of thereal room and a prior object listing of one or more prior objectsassociated with the real room; receiving, by the virtual realityvisualization device, user information corresponding to a user, whereinthe user information comprises a settlement amount that is divided intoa plurality of settlement category amounts corresponding to a pluralityof settlement categories; generating, by the virtual realityvisualization device, a virtual room corresponding to the real roombased at least in part on the dimensions of the real room; generating,by the virtual reality visualization device, a recommended objectlisting comprising one or more recommended objects based at least inpart on the prior object listing, wherein each of the one or morerecommended objects are associated with a respective one of theplurality of settlement categories; presenting the virtual room, thesettlement amount, and the recommended object listing to the user via adisplay interface; receiving, by the virtual reality visualizationdevice, a selection of a first recommended object of the recommendedobject listing from the user; updating the virtual room to include arepresentation of the first recommended object; and updating thesettlement amount based on a price of the first recommended object,wherein updating the settlement amount based on the price of the firstrecommended object comprises updating the settlement category amount forthe settlement category corresponding to the first recommended object.10. The method of claim 9, further comprising: receiving second userinput comprising an indication of a location in the virtual room for thefirst recommended object, wherein updating the virtual room to include arepresentation of the first recommended object comprises placing therepresentation of the first recommended object at the location in thevirtual room.
 11. The method of claim 9, wherein the prior object listis received from a digital locker database configured to storeinformation regarding prior objects reported by the user of the userdevice.
 12. The method of claim 9, wherein generating the recommendedobject listing based at least in part on the prior object listingcomprises: determining one or more replacement objects associated with agiven prior object of the one or more prior objects; for each of the oneor more replacement objects, determining a change in premium for aservice associated with the user based on attributes of a givenreplacement object relative to attributes of the given prior object; andselecting a first replacement object of the one or more replacementobjects for inclusion in the recommended object listing based on thedetermined changes in premiums for the one or more replacement object.13. The method of claim 9, further comprising: determining a change in apremium for a service associated with the user based on the selection ofthe first recommended object; and causing a display of the change inpremium to the user.
 14. A virtual reality visualization devicecomprising: at least one processor; and memory storingcomputer-executable instructions that, when executed by the at least oneprocessor, cause the virtual reality visualization device to: receiveroom information corresponding to a real room, wherein the roominformation comprises dimensions of the real room and a prior objectlisting of one or more prior objects associated with the real room;receive user information corresponding to a user, wherein the userinformation comprises a settlement amount; generate a virtual roomcorresponding to the real room based at least in part on the dimensionsof the real room; generate a recommended object listing comprising oneor more recommended objects based at least in part on the prior objectlisting by: determining one or more replacement objects associated witha given prior object of the one or more prior objects for each of theone or more replacement objects, determining a change in premium for aservice associated with the user based on attributes of a givenreplacement object relative to attributes of the given prior object; andselecting a first replacement object of the one or more replacementobjects for inclusion in the recommended object listing based on thedetermined changes in premiums for the one or more replacement object;present the virtual room, the settlement amount, and the recommendedobject listing to the user; receive a selection of a first recommendedobject of the recommended object listing from the user; update thevirtual room to include a representation of the first recommendedobject; and update the settlement amount based on a price of the firstrecommended object.
 15. The virtual reality visualization device ofclaim 14, wherein generating the recommended object listing based atleast in part on the prior object listing comprises: determining anavailability of a given prior object of the one or more prior objects;if the given prior object is available, adding the given prior object tothe recommended object listing; and if the given prior object is notavailable, determining a replacement object based on attributes of thegiven prior object and adding the replacement object to the recommendedobject listing.
 16. The virtual reality visualization device of claim14, wherein the settlement amount is divided into a plurality ofsettlement category amounts corresponding to a plurality of settlementcategories, wherein each of the one or more recommended objects areassociated with a respective one of the plurality of settlementcategories, and wherein updating the settlement amount based on theprice of the first recommended object comprises updating the settlementcategory amount for the settlement category corresponding to the firstrecommended object.